Lewis v. Brotherhood of Locomotive Firemen & Enginemen

It is unquestionably the law, as settled by the decisions of this and many other courts, that the relationship of insured and insurer does not exist until after the acceptance of the application and the issuance of the policy, and that the applicant has' no right of action upon a contract until the issuance of the policy. Ala. Gold Life Ins. Co. v. Mayes, 61 Ala. 163. It also seems settled by our statutes and decisions that no action can be maintained on the coil- • tract as to benefit societies as well as old line insurance companies until after the com pletion of the contract. Alexander v.…